So this is not the first time hearing this..

Merchants stating- Unknown lender (probably recent DBA created), are funding accounts without any consent whatsoever (i.e no signed contract, no COJ, list goes on) , and if payments are stopped, COJ is threatened to be put in place, freeze accounts etc.

I know first response would be that merchant probably doesn't know what's flying, but these are merchants whom we've worked with in the past and knew exactly what they were doing.

I get if the was a one time story, but this has been reoccurring.